Full Stack Engineer, Membership

About Chime

At Chime, we believe everyone can achieve financial progress. As a financial technology company, we're dedicated to providing helpful, easy, and free core banking services. Our intuitive tools empower members to manage their finances and work towards their goals, from saving to purchasing a home. We're a team of problem solvers, dreamers, and builders united by an obsession with our members' success. Our culture is entrepreneurial, bold, and built on trust, integrity, and diverse perspectives.

About The Role: Full Stack Engineer, Membership

As Chime Engineering scales, we're looking for driven engineers to join our Membership team. You will work across the full stack, building and evolving features that deepen member engagement, drive retention, and deliver ongoing value through Chime’s membership experience. You will own projects end-to-end, from shaping architecture and designing APIs to building polished front-end experiences and maintaining code health.

What You'll Do:

• Design, develop, test, and scale features across backend services and front-end surfaces that power membership benefits, rewards, and engagement experiences.
• Build and iterate on APIs and UI components to deliver a seamless, high-quality member experience in Chime’s mobile app.
• Partner with product, design, data science, and cross-functional stakeholders to understand member needs, define experiments, and ship solutions that move key membership metrics.
• Apply a metrics-driven mindset to decision-making and prioritize efforts based on member and business impact.
• Proactively identify opportunities to improve system reliability, performance, and scalability across the stack.
• Contribute to a culture of technical excellence through mentorship, code reviews, and driving best practices.

What You'll Need:

• 5+ years of experience developing software in a production environment at scale.
• Proven experience with Ruby on Rails or comparable frameworks.
• Proficiency with modern front-end technologies (e.g., React, React Native, or TypeScript-based frameworks).
• A product mindset with a strong bias toward experimentation, iteration, and measuring impact.
• Collaborative spirit and strong communication skills, with experience working cross-functionally.
• Experience working with transactional databases, caching systems, and API design.
• Comfort working across the stack and a desire to understand system interdependencies.
• Experience with experimentation frameworks and data-driven product development is a plus.

About The Compensation & Benefits:

• Base Salary: $164,000 - $227,000, dependent on location, skills, qualifications, and experience.
• Eligibility: Full-time employees are eligible for a bonus, competitive equity package, and comprehensive benefits.
• Work Policy: Hybrid model with 4 days in-office and 1 remote day for those near offices; fully remote program available.
• In-Office Perks: Backup child, elder, and/or pet care; subsidized commuter benefit.
• Financial: 401k match.
• Health & Wellness: Great medical, dental, vision, life, and disability benefits; Annual wellness stipend.
• Time Off: Generous vacation policy, company-wide Chime Days, bonus company-wide paid days off; 1% of time off to support local community organizations.
• Family Support: Up to 24 weeks paid parental leave for birthing parents, 12 weeks for non-birthing parents; Access to Maven family planning tool with $15k lifetime reimbursement.
• Engagement: In-person and virtual events, snack boxes.

Commitment to Diversity & Inclusion

Chime is an Equal Opportunity Employer committed to fostering a diverse and inclusive environment. We value diverse strengths, skills, backgrounds, and ideas to better serve our members. We comply with all applicable laws regarding applicant qualifications and hiring practices, including fair chance ordinances. If you require accommodation during the application process, please contact benefits@chime.com.